Welcome to ReduceMyExcess
Driving down the cost of your car hire.
Stand-alone car hire excess insurance, providing you with an alternative to costly excess waivers from car hire companies.

JANUARY SALE - 15% off ReduceMyExcess policies!

Simply click below and your 20% discount code RME3101 will be automatically applied. Ends 31st January 2020 at midnight!

Check our prices
Single Trip
From £2.29 a day
Check our prices
Annual Cover
From £38.58

Your Policy Benefits

No excess

We will reimburse the full amount deducted from your card by the car rental company for damage to the car, up to the limit on your policy.

Worldwide

You have a choice of either UK & Europe cover or Worldwide cover.

Annual or daily

We offer short term cover for a one-off trip or an annual cover for multiple trips.

High excess limit

Standard cover limit of up to £7,000 for excess reimbursement (including admin fees) and up to £1,000 for towing costs.

Tyres, windscreen & undercarriage

The cover includes damage to the tyres, windscreens, undercarriage, misfuelling and towing costs of the rental vehicle.

Family Cover (Optional)

Include up to 4 close family members who live with you permanently, they will benefit from the same level of cover when renting a car.

Additional Drivers

Up to 8 additional drivers named on the car rental agreement are covered automatically provided they are between 21-84 years of age and hold a valid driving licence.

CDW (Optional)

Choose the Worldwide+ cover to include $50,000 increased excess reimbursement cover in USA and Canada

Personal Possessions

We include up to £300 of cover for your personal possessions stolen from your rental vehicle

How Does Excess Insurance Work?

1. AT THE CAR HIRE DESK, YOU ARE OFFERED EXCESS WAIVER YOU SAY: “THANKS, BUT NO THANKS!”

2. THEY PRE-AUTHORISE YOUR CREDIT CARD FOR THE VALUE OF THE EXCESS

3. COLLECT YOUR CAR NOTING ALL EXISTING DAMAGE ON THE FORM AND TAKE PICTURES OF ANY DAMAGE.

4. ENJOY YOUR TRIP KNOWING YOU’VE PAID A GREAT PRICE TO COVER YOUR EXCESS.

5. RETURN THE CAR CHECKING IT OVER WITH THE REP WHO WILL THEN CONFIRM IF THERE IS ANY EXCESS TO PAY.

6. IF THERE IS NEW DAMAGE YOU PAY UP TO YOUR EXCESS AND GET A RECEIPT.

7. LEAVE THE DESK HAPPY KNOWING THAT YOUR ReduceMyExcess WILL REIMBURSE THE EXCESS CHARGE.

8. COMPLETE OUR CLAIMS FORM AND SUBMIT

Why Choose ReduceMyExcess?

No admin fees

We like our customers too much to charge them admin or any other hidden fees.

Get insured instantly

We’ll email you your documents within seconds, and that’s it, you’re all set for your trip

Great value

We strive to offer a competitively priced product and with no hidden fees, what we say is what you pay!

We put our customers first

Our great reputation has taken us years to build and we’re really proud of what our customers say about us! We do all we can to make customers feel special, so you stay with us, recommend us, and want to take out more cover with us.

Comprehensive Cover

We endeavour to offer you great coverage. We highlight all cover levels during the purchase process to ensure you are fully informed.

Underwritten by AIG

With 100 years of experience, American International Group, Inc is a leading global insurance organisation serving customers in 80+ countries. American International Group UK Ltd is a member of the AIG group.